Financial Spreading
May 31, 2016
U.S. regulators sent a strong signal to bankers that they are preparing to crack down on risky commercial real-estate lending, threatening to force banks to raise capital if necessary as they scrutinize the loans next year. “The agencies have observed substantial growth in many CRE asset and lending markets, increased competitive pressures, rising CRE […]
August 3, 2016
Deciding whether to implement Software-as-a-Service (SaaS) vs. traditional legacy software for assessing commercial loan risk should be based on several different factors. In addition to ensuring the software can perform the necessary operating tasks, it’s important to evaluate both the actual dollar amount and the value proposition of each. When […]
September 1, 2016
Cross River Bank, located in Teaneck, New Jersey, was in need of a “loan servicing software that would complement our core processor,” according to David Tilis, Director of Loan Operations/Servicing. During their search, Cross River Bank could find very few options that met their parameters. Not only did Cross River […]
September 15, 2016
In today’s increasingly volatile lending environment, commercial banks and credit unions demand greater accountability while keeping costs down and ensuring compliance. The conventional approach of utilizing legacy hardware and software simply isn’t as efficient as it used to be. Software-as-a-Service (SaaS) provides advantages that not only cuts costs for the […]
November 16, 2016
Since the 2008 financial crisis, the FDIC has mandated that banks holding over $10 billion in assets must have robust stress-testing practices in place to prove they are prepared for risk. The stress-testing requirement has started to trickle down to banks with fewer than $10 billion in holdings. If your […]
November 30, 2016
FDIC stress testing regulations affect banks that hold over $10 billion in assets. Yet if you think your community bank is immune from having to put stress-testing measures in place since you hold fewer than $10 billion in assets, think again. The reality is that stress testing is critical for […]